Life Hacks

0% Balance Surfing – If you currently have high-interest credit card debt, find a balance transfer credit card with a 0% rate. Then transfer your high-interest credit card debt to your low-interest balance transfer card. Before the expiry of your 0% promotional rate, find another credit card offer with a 0% rate and do it again.

Annual Companion Airfare Vouchers – Some cards offer an annual flight companion voucher, just for keeping your card open. Every year you keep your card, you get a voucher. You can then use the voucher, usually for about $120, to fly your companion round-trip to anywhere in North America.

Cheap Foreign Exchange – If you get a credit card with no foreign transaction fees, you’ll generally pay less than 1% to exchange your money.

No More Late Payments – Pre-authorize payments to your credit card from your bank. You can choose to automatically pay your minimum payment due, or the entire balance.

If you’ve got a life hack to share, send it in to mornings@895thedrive.com and there might be a little something in it for you! Listen for Life Hacks, Thursday mornings at 7:50 with Glen and Sadie on the Breakfast Club!